Lumpsum Calculator

Estimate the maturity value of a one-time mutual fund investment. Adjust the inputs above and results update instantly.

A lumpsum investment is a one-time investment of a fixed amount into a mutual fund scheme, as opposed to spreading it out via SIP. This calculator estimates the maturity value of your lumpsum investment using compound growth at your expected annual return rate. It is useful when you have a windfall amount — a bonus, maturity payout, or sale proceeds — that you want to invest at once.

Returns are compounded annually based on the rate you enter. Actual mutual fund returns are never guaranteed and fluctuate with market performance.

Frequently Asked Questions

What is a lumpsum investment?
A lumpsum investment is investing your entire amount in a mutual fund scheme in one go, rather than in smaller periodic instalments like a SIP.
How is lumpsum maturity value calculated?
Using compound growth: FV = P × (1+r)^n, where P is the invested amount, r is the expected annual rate of return, and n is the number of years.
Is lumpsum or SIP better?
It depends on your cash flow and market timing. Lumpsum can generate higher returns if invested before a market rally, while SIP averages out volatility over time. Neither is guaranteed to outperform the other.